Overview
Click Credit is a Romanian loan brokerage that compares offers from eight partner banks — covering mortgages, refinancing, personal loans, car loans, land purchases and construction loans — without charging borrowers a fee. In credit intermediation, people only go ahead when the process is clear and they can see how their information is handled. We built the two products the service runs on: the public website, which explains the service, the types of finance and the stages involved, and the application platform, where applicants photograph their identity document and OCR captures the data from it, employer details are looked up separately in the national trade registry, the offers that come back are presented in a comparable format, and status updates arrive by SMS and WhatsApp. Two products, one journey.
The Challenge
A credit application involves identity details, income information and supporting documents, and people only submit them once they understand what happens next. Click Credit charges borrowers no fee and works through direct bank partnerships — but none of that reads if the website looks like every other intermediary. The public website had to make the process visible enough that an applicant could see every stage before committing to anything.
The application platform set the bar higher still. Applicants submit sensitive personal and financial information, and they need to know what the platform does with it. Why does it read the identity document instead of asking them to type? Where do the employer details come from? What kind of offers arrive, and when? Every automated step had to be explained at the moment it occurs — a step that happens silently invites doubt.
The Approach
We built two connected products, each designed for a distinct role.
Public marketing site (clickcredit.ro): We kept the site to what a visitor needs in order to understand the service and the process. The process comes first. The partner banks are visible, and so is the no-fee arrangement for borrowers. The simulator lets visitors model a loan before starting an application. Each stage has its own illustration and a time estimate — “Registration (5 minutes)”, “Consultation (1 business day)”, “Offer presentation (3 business days)”, “Disbursement (upon acceptance)”. The journey is set out from the start, in four stages, on the homepage.
Application platform (client.clickcredit.ro): As straightforward as possible, without hiding what is happening. Every automated step — OCR capture from the identity document, the employer lookup in the trade registry, digital signing, SMS notifications — is explained in the flow. The applicant always knows what the platform is doing on their behalf and why.
The Solution
On the public marketing site
- Four-stage visual process explainer — Registration → Consultation → Offer presentation → Disbursement, each with a time estimate
- Loan simulators that let users adjust loan amount, repayment period and interest type (fixed / variable) with live rate recalculation
- Side-by-side bank offer comparison table showing BCR, BT, BRD and others with monthly payment, interest rate and fees
- Eight partner bank logos shown in greyscale — restrained, with the emphasis on the information
- ANPC authorisation display — legal credentials visible on every page
- Structured SVG icon library — a custom set drawn for every loan type and every stage of the process
- Modern fintech aesthetic — white backgrounds, teal / blue accents on the primary actions, clear hierarchy and high contrast
- Facebook Conversion API + TikTok Pixel for measuring the stages of the application journey
- SSL, GDPR compliant, privacy policy prominently linked
On the application platform
- OCR capture from the identity document — applicants photograph their Romanian ID card, the platform extracts the data held on the document and fills in the form, and the applicant reviews and confirms it. Name, CNP, address, date of birth — captured in seconds, with no manual transcription on a phone keyboard.
- ONRC (trade registry) integration — employer details are looked up separately from the identity document: the applicant enters the employer name, the platform queries the Romanian national trade registry in real time, pulls the official company data (CUI, legal status, registered address) and completes the employment section
- Multi-bank offer comparison module — applications are submitted to all partner banks simultaneously, and results come back in a single format the borrower can compare side by side
- Digital signature where the partner bank supports it — for the steps that can be completed without paper documents
- SMS + WhatsApp status notifications — applicants are told in real time which stage their application has reached
- Document upload by selection or drag-and-drop, with validation in the browser
- Application tracking panel with visible progress and estimated timings at each stage
- Dedicated consultant — every application is assigned to a consultant, and the applicant can see exactly who is handling their case
Key Moments
The process, visible from the first screen
Rather than sending visitors straight into a form, the website sets out the whole process above the fold: all four stages, each with an estimated time. Applicants can see what information they will be asked for, when a consultant becomes involved and which steps depend on the chosen lender, before they start anything.
OCR that saves real time
On the application platform, the applicant photographs their ID card with their phone. The system extracts the name, CNP, address and date of birth; the applicant reviews, confirms and moves on. It does not remove the need to check the data, but it replaces field-by-field typing on a phone with a photograph and a confirmation. The OCR sits at exactly the point in the flow where manual entry would cost the most time.
The ONRC integration
When an applicant types their employer name, the system queries the Romanian trade registry (ONRC) in real time, pulls the official company details — CUI, legal status, registered address — and completes the employment section. That information comes from a source separate from the identity document, and the “tell us about your job” step drops from several minutes of typing to a single lookup.
One journey, one system
A key product decision was continuity between the website and the platform. A visitor arrives at clickcredit.ro from search, reads the process, clicks through to start an application and is already inside the platform — no loss of context, no second account, no “create an account and come back”. The transition preserves the visual identity, the context of the application and the guidance towards the next step.
The Stack
Marketing site:
Custom build · Structured SVG iconography
Loan simulator (live JavaScript calculation)
Bank comparison table (dynamic updates)
Facebook Conversion API · TikTok Pixel
GDPR compliant · ANPC authorised
Application platform:
Authenticated borrower dashboard
OCR for ID document extraction
ONRC trade registry API integration
Multi-bank offer engine
SMS + WhatsApp notification delivery
Document upload with client-side validation
Digital signature integration (where supported)
Consultant routing and assignment
The Result
A live, working fintech ecosystem used by applicants across Romania. ANPC authorised. No fees for users. Eight partner banks presented in the platform. The platform reduces manual data entry: instead of long, typing-heavy forms, applicants photograph, review and confirm. And the two products work as a single journey, from the first visit to following the progress of an application.
The lending decision and the terms of the credit remain with the bank. The role of the two products is to organise the journey, cut administrative steps and make communication between the applicant, the consultant and the lender clearer.
